how much am I gonna pay?
90/70??? Do you mean 90/10? If so, and if your docs/hospitals are in network, you will pay 10% of the contracted rates. Give your insurance company a call and ask what the contracted rates are with your surgeon and hospital. You will pay 10% of that amount + any deductible. Also ask what your out of pocket max is on your policy. You payment will never exceed that amount for an entire year if you have chosen an in network doc/hospital.